Get to know your Property Risk Hazards!
If it can natural disaster can hurt a property, HazardHub tries to measure it. We also measure a number of other data points to help you property assess the risk of any property in the US.
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EARTH RISKS
Earth is a risky place and the ground underneath our feet is no exception. Our earth risks include:
- Sinkholes
- Mine Subsidence
- Earthquakes
- Distance to Nearest Fault
- Landslides
- Fracking Earthquakes
- Elevation
- Radon Levels
1 in 15 homes accross the U.S. tests positive for dangerous radon levels. Radon is a radioactive, invisable, odorless gas that is emitted naturally from...
Property elevation can identify risks for flooding, Elevation certificates play a major role in identifying premiums for the National Flood Insurance...
Fracking can trigger faults in the earths crust to slip due to hydraulic fluids seeping into the fault or the pressure of fluids against the rock....
A landslide or landslip refers to several forms of land wasting and ground movement such as rockfalls, slope failures, mud flow or debris flows....
Fault lines are fractures in the earths crust. The blocks of rock on each side can move relative to each other during and after an earthquake....
Earthquakes are the sudden and violent shaking of the earth as a result of movements within the earths crust or volcanic events....
Mine Subsidence results from collapsed mines. This collapse causes sinking of the ground surface leading to either a pit or sag. ...
A sinkhole can occur naturally or due to human activities. Sinkholes are formed when water erodes the area below the grounds surface causing the ground...
WIND RISKS
While all you may need is the air that you breathe, that same air can bring you a load of misery in the form of:
- Hurricanes
- Straight-line Winds
- Hail
- Convective Storms
- Tornadoes
- Lightning ground strike probability
- Wind Pools
- NOAA Special Wind Regions
- Florida Wind-Borne Debris Zones
- Tier 1 / Tier 2 Counties
Each year in Florida, an average of more than 240 wind-borne debris incidents result in damage to property, injury or death. HazardHub’s Florida Wind Borne...
A Special Winds Region is an area that has the potential to be hazardous due to wind. A region can be classified as a Special Winds Region if it meets...
Most coastal states have wind pools which are state mandated risk sharing programs that provide insurance for properties in the highest risk areas. ...
Cloud to ground lightning can cause a risks such as fire, and electric surges to your property. When lightning hits a home major damage can result. ...
Tornadoes are violent rotating columns of air that contact the earths surface and a cumulonimbus cloud. They are capable of destroying anything in their...
Thunderstorms are also referred to as convective storms. These storms occur when moist air rises due to intense heating in the upper atmosphere....
Hail is a form of solid precipitation that forms within a thunderstorms updrafts. Hailstones can damage homes and vehicles and is also potentially deadly...
A straight-line wind is any thunderstorm wind that does not rotate. Wind Gusts, outflow, downburts and darechos are examples of straight-line winds....
Hurricanes or tropical cyclones are low-pressure systems that gain energy over tropical or subtropical waters. They produce strong winds, , spiraled organized...
FIRE & WILDFIRE RISKS
Fires can be devastating. Most fire damage comes from events that are man-made, either intentionally or accidentally. Fire hazards include:
- Distance to Nearest 3 Fire Stations – both in time and in drive distance
- HazardHub Wildfire Model – 50 State Wildfire Coverage
- National Fire Station Database with over 54,000 stations and station characteristics
- HazardHub Property Fire Score
- AAIS Fire Protection Class
- HydrantHub Fire Hydrant Locations – more than 11,000,000 known fire hydrant locations
more than 11,000,000 known fire hydrant locations...
The American Association of Insurance Services criteria covers 5 protected classes, a partially protected class, and an unprotected class....
Property Fire Score (PFS) delivers an expected loss percent and value for any property in the US. PFS combines fire station data with water network data...
With more than 54,000 stations and station characteristics. the National Fire Station Database is the best source to tell you how close your property is...
50 State Wildfire Coverage...
If the distance from a property to the nearest fire station exceeds 5 miles insurance premiums are generally higher....
LEARN YOUR RISKS TODAY
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WATER RISKS
The biggest insurance losses are caused by water. It seems that we can’t live without it and we can’t live with it. Water hazards include:
- FEMA Flood Zones with FEMA Descriptive Variables
- HazardHub Enhanced Flood Model
- HazardHub Catastrophic Flood Risk Model
- SurgeMAX Storm Surge Model
- High Resolution and Low-Resolution Distance to Coast Measurements
- Drought Score
- Ice Dam Risk
- Frozen Pipe Risk
- HazardHub Tsunami Risk Model
Ice Dams are a ridge of ice that forms along your roofline. When water tries to run off your roof, it can get blocked and backed up by the ice. This backed-up...
Frozen pipes are a common problem that many property owners have to deal with. They are caused by a lack of insulation and can cause pipes to burst, rendering...
Sea Level Rise is one of the most feared potential outcomes of climate change. As the Earth’s climate continues to change, ocean levels may rise and flooding...
While most people think of floods as coming from rivers, sometimes the floodwaters come from the ocean. This is called “Storm Surge.” Storm Surges are...
As we’ve seen in flooding events in Houston and Nashville, sometimes an area is subjected to intense amounts of precipitation that are far in excess of...
FEMA Flood Zones, also known as Special Flood Hazard Area or SFHA for short, are established by Federal Emergency Management Agency (FEMA) to identify...
The biggest insurance losses are caused by water. It seems that we can’t live without it and we can’t live with it. Water hazards include: HazardHub...
MAN-MADE RISKS
If nature wasn’t putting up enough of a fight, it seems we’re also making things a little bit more risky for ourselves. Man-made hazards include:
- Superfund Sites
- Brownfield Sites
- Crime
- Underground Storage Tanks
- Leaking Underground Storage Tanks
- Toxic Release Facilities
- Nuclear Facility Locations
- Drug & Alcohol Deaths
- Premium Tax Zones
Premium Tax Zones are those areas that charge a tax on property insurance premiums. HazardHub maintains a complete and annually update database of Premium...
Nuclear Facility Locations pose a risk to property owners because of their proximity to the property. Nuclear Facilities are on the list of hazardous sites...
Toxic Release Facilities are properties that contain and use toxic chemicals as part of their operations. Toxic Release facilities can cause environmental...
Sometimes, Underground Storage Tanks leak. For these locations, we’ve created our Leaking Underground Storage Tank (LUST) database. The leaks are usually...
Underground Storage Tanks (USTs)are often used on large properties, such as farms and home builders. These tanks are often hidden from view with only a...
Brownfield Sites are property sites that have been contaminated with hazardous materials and/or pollutants. While not as large as a Superfund site, they...
Thousands of contaminated sites exist nationally due to hazardous waste being dumped, left out in the open, or otherwise improperly managed. These sites...
If nature wasn’t putting up enough of a fight, it seems we’re also making things a little bit more risky for ourselves. Man-made hazards include: Superfund...
PROPERTY CHARACTERISTICS RISKS
We collect data from 96% of US counties , providing incredible coverage for over 60 key data elements including property use code, year built, square footage.
We also integrate data from over 90% of MLS systems, providing even more depth of information about MLS-listed properties.
Next, we provide an estimated value range for the property, based on what other similar properties have sold for in their local market.
We collect data from 96% of US counties , providing incredible coverage for over 60 key data elements including property use code, year built, square footage. We also integrate data from over 90% of MLS systems, providing even more depth of information about MLS-listed properties. Next, we provide an estimated value range for the property,
We collect data from 96% of US counties , providing incredible coverage for over 60 key data elements including property use code, year built, square footage....
ARE YOU CHARGING THE RIGHT PREMIUM?
Too many insurers rely on zone rating, where all homes in the same zones have the same base rate. As we know, those zones are often large and not designed with perils in mind. The impact? You can end up charging too little – or too much – premium, putting your brand at a severe competitive disadvantage.
HazardHub provides the data you need to smash zone ratings and make the rate where it should be – at the property level.
900 VARIABLES IN LESS THAN 2 SECONDS
EASY TO UNDERSTAND A-F GRADING SYSTEM
DETAILED RISK ANALYSIS THAT SUPPORT GRADED SCORES
ACCESS TO ALL THE DATA FOR $1 PER LOOKUP
